Fiducian Group Ltd (FID) AI Stock Analysis

• Market Cap: AU$375.02M
• Dividend Yield: 3.82%
• Average Volume (3M): 43.97K
• Price to Earnings (P/E): 20.2
• Beta (1Y): 0.58
• Revenue Growth: 10.61%
• EPS Growth: 23.34%
• Country: AU
• Employees: 125
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.32
• Shares Outstanding: 31,567,623
• 10 Day Avg. Volume: 42,868
• 30 Day Avg. Volume: 43,970
• PEG Ratio: 0.72
• Price to Book (P/B): 5.09
• Price to Sales (P/S): 4.74
• P/FCF Ratio: 13.75
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: AU$13.50 ▲(11.75% Upside)

Fiducian Group Ltd's strong financial performance, characterized by high profitability and robust cash flow, is the most significant factor contributing to the stock score. The technical analysis indicates some short-term weakness, but longer-term support remains. The valuation is fair with an attractive dividend yield, appealing to income investors. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Strong Profitability

High profit margins indicate efficient operations and strong pricing power, which can sustain long-term profitability and competitive advantage.

Solid Balance Sheet

A low debt-to-equity ratio enhances financial stability, providing flexibility for growth initiatives and resilience against economic downturns.

Cash Flow Generation

Strong cash flow generation supports reinvestment in the business, dividend payments, and potential debt reduction, ensuring long-term financial health.

Negative Factors

Revenue Decline

A substantial revenue decline can indicate market challenges or competitive pressures, potentially impacting future growth and profitability.

No Recent Corporate Events

Lack of recent corporate events may suggest stagnation in strategic initiatives, potentially affecting the company's ability to adapt and grow.

Earnings Call Data Absence

The absence of earnings call data limits transparency and investor insight into management's strategic vision and operational performance.

Fiducian Group Ltd Business Overview & Revenue Model

Company Description

Fiducian Group Ltd (FID) is an Australian financial services company that operates within the wealth management sector. The company offers a diverse range of services including financial planning, investment management, and superannuation solutions. Fiducian is dedicated to providing tailored financial advice and investment strategies to both retail and institutional clients, leveraging its expertise to help clients achieve their financial goals.

How the Company Makes Money

Fiducian Group Ltd generates revenue primarily through its financial planning and investment management services. The company earns money by charging fees for advisory services, which include commissions on financial products sold to clients, as well as ongoing management fees based on the assets under management (AUM) in their investment portfolios. Additionally, Fiducian receives income from its superannuation fund management, where it charges administration and investment fees. The company may also generate revenue through strategic partnerships with other financial institutions and product providers, which can enhance its service offerings and attract a wider client base.

Fiducian Group Ltd Financial Statement Overview

Summary

Fiducian Group Ltd exhibits strong profitability and cash flow generation, supported by a solid balance sheet with low leverage. Despite a recent revenue decline, the company maintains high margins and efficient operations. The financial position is stable, with strong equity backing and impressive returns on equity. Continued focus on revenue growth will be crucial to sustain its financial health.

Income Statement

Fiducian Group Ltd demonstrates strong profitability with a high gross profit margin of 100% and a robust net profit margin of 28.62% for the latest period. However, the company experienced a significant revenue decline of 24.68% in the most recent year, which is a concern. The EBIT and EBITDA margins are healthy at 40.92% and 47.69%, respectively, indicating efficient operations despite the revenue drop.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio of 0.10, suggesting conservative leverage. The return on equity is impressive at 30.78%, reflecting strong profitability relative to shareholder equity. The equity ratio stands at 74.71%, indicating a strong equity base relative to total assets, which enhances financial stability.

Cash Flow

Cash flow performance is strong, with a free cash flow growth rate of 8.52% and a high operating cash flow to net income ratio of 5.23, indicating excellent cash generation relative to earnings. The free cash flow to net income ratio is nearly 1, showing that the company effectively converts its net income into free cash flow.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	89.37M	64.88M	80.80M	73.31M	69.54M	59.95M
Gross Profit	41.19M	64.88M	58.83M	49.69M	47.09M	40.46M
EBITDA	29.47M	30.94M	26.06M	22.44M	23.16M	20.56M
Net Income	18.57M	18.57M	15.04M	12.32M	13.32M	12.18M
Balance Sheet
Total Assets	80.77M	80.77M	71.40M	72.34M	74.28M	61.74M
Cash, Cash Equivalents and Short-Term Investments	34.94M	34.94M	26.60M	19.65M	17.48M	19.32M
Total Debt	6.31M	6.31M	2.98M	4.24M	5.83M	5.89M
Total Liabilities	20.44M	20.44M	16.79M	21.43M	27.15M	18.88M
Stockholders Equity	60.33M	60.33M	54.61M	50.91M	47.13M	42.87M
Cash Flow
Free Cash Flow	22.35M	22.35M	19.38M	13.90M	18.10M	15.93M
Operating Cash Flow	22.43M	22.43M	19.46M	14.28M	18.68M	16.04M
Investing Cash Flow	752.00K	752.00K	546.00K	-1.96M	-9.71M	-1.47M
Financing Cash Flow	-14.85M	-14.85M	-13.05M	-10.15M	-10.80M	-9.21M

Fiducian Group Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:FID, the sentiment is Positive. The current price of 12.08 is above the 20-day moving average (MA) of 11.68, below the 50-day MA of 12.10, and above the 200-day MA of 10.85, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 53.37 is Neutral, neither overbought nor oversold. The STOCH value of 83.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:FID.

Fiducian Group Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EZL	75 Outperform	€157.00M	15.52	9.11%	18.57%	18.74%	88.57%
FID	69 Neutral	AU$375.02M	20.16	32.31%	3.82%	10.61%	23.34%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PAC	67 Neutral	AU$319.63M	8.51	11.44%	4.11%	31.09%	-75.49%
REP	53 Neutral	AU$303.21M	-27.50	-2.64%	8.47%	4.20%	50.11%
CVC	46 Neutral	AU$241.44M	450.00	0.31%	―	36.51%	―

Fiducian Group Ltd Corporate Events

Fiducian Group Director Increases Indirect Shareholding

Fiducian Group Ltd has announced a change in the indirect interest of its director, Samir (Sam) Hallab, in the company’s securities. The director, through a related party, Glotown Pty Ltd, acquired an additional 1,000 ordinary shares in two separate transactions on November 28 and December 2, 2025. This change reflects a slight increase in the director’s indirect holdings, which now total 127,000 shares. The transactions were conducted as on-market trades, and there were no disposals of shares.

Fiducian Group Director Increases Shareholding

Fiducian Group Ltd has announced a change in the director’s interest, with Director Samir Hallab acquiring an additional 1,000 ordinary shares through an on-market trade, bringing his indirect holdings to 126,000 shares. This transaction, valued at $11,958.82, reflects ongoing engagement and investment by the company’s leadership, potentially signaling confidence in Fiducian’s market position and future prospects.

Fiducian Group Reports Steady Growth in Q3 2025

Fiducian Group Ltd has voluntarily lodged its Appendix 4C for the quarter ending September 2025, reporting a net inflow of $102 million to its core platform and a total of $15.6 billion in funds under management, administration, and advice. Despite a decrease in net inflows compared to the previous year, the company maintains a strong market position with steady growth in its overall funds, reflecting its resilience in the competitive financial services sector.

Fiducian Group Secures Shareholder Approval for All AGM Resolutions

At the annual general meeting held on 9 October 2025, Fiducian Group Limited announced that all proposed resolutions were passed by shareholders via poll. This outcome reflects strong shareholder support and may positively impact Fiducian’s operations and market positioning in the competitive financial services sector.

Fiducian Group Ltd Reports Strong Financial Growth Amid Market Challenges

Fiducian Group Ltd reported a significant financial performance for the year ending June 30, 2025, with a net profit after tax of $18.6 million, marking a 23% increase from the previous year. Despite market volatility, the company saw a 13% rise in net revenue and a 19% growth in underlying net profit after tax. Funds under management, advice, and administration increased to $15.62 billion by September 2025. The company remains debt-free and is exploring further acquisitions to enhance its financial planning segment. Fiducian is also integrating digital solutions and AI to improve client engagement and operational efficiency.

Fiducian Group Faces ASIC Legal Action Over Fund Mismanagement Allegations

Fiducian Group Limited has announced that its subsidiary, Fiducian Investment Management Services Limited, is facing civil proceedings initiated by the Australian Securities and Investments Commission (ASIC) in the NSW Supreme Court. The case involves allegations of misleading statements in the product disclosure statement of the Fiducian Diversified Social Aspirations Fund and non-compliance with the fund’s compliance plan. The fund, which ceased operations in May 2024 due to insufficient scale, had $15.57 million in funds under management and delivered a 7.62% annualized return over nine years. Fiducian has cooperated with ASIC’s investigations and will continue to keep the market informed.